Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

CAT | Insurance for Non Profit Organizations

Protect Your Property With Boardwalk Insurance 4.42/5 (88.33%) 12 votes

The roof over your head is something that should never be taken for granted.  While it is a shelter, it has many more functions that you do not think about on a daily basis.  That is why protection in the form of homeowner’s insurance is so important, so when disaster strikes, you are not left out in the cold.

Homeowner’s insurance is the best way to protect your home and property from disasters that may befall it.  Not only to most homeowner’s insurance policies cover the structure itself, it also covers the property inside, as well as gives the homeowner liability insurance from accidents that might happen in the home or on the property.  There are many types of homeowner’s insurance policies to fit many situations and protect from many hazards, depending on how much you want your coverage to be.  In addition, the cost of a homeowner’s insurance policy is related to the home and the value of the contents inside you want insured.

The basic homeowner’s insurance policy is called the HO1, and lists 11 hazards or perils that it protects from.  Nearly every time, to get a mortgage on a home, some form of homeowner’s insurance might be required.  While doing without homeowner’s insurance in general is not recommended, for the term of the loan, the HO1 homeowner’s insurance policy will provide enough coverage.  The basic hazards included on the HO1 homeowner’s insurance policy typically include fire, lighting, windstorm, hail, vandalism, theft, damage from vehicles, civil commotion, glass breakage, volcanoes, and personal liability.  To expand what perils are covered for a minimum rate, the HO2 homeowner’s insurance policy can be used.  The HO2 homeowner’s insurance policy provides coverage on an additional 6 hazards, including falling objects, damage due to the weight of ice, snow, or sleet, water damage (not from a flood though), sudden and accidental structural failure (though not collapse), freezing, and sudden and accidental damage from an electrical current.

The HO3 homeowner’s insurance policy is one of the most common policies taken out.  In an HO3 homeowner’s insurance policy, named hazards are actually exclusions, so if something happens to your property, you are covered unless it is one of the listed exclusions.  However, in an HO3 homeowner’s insurance policy personal property is only covered under the hazards in an HO2 policy.  HO5 homeowner’s insurance policies are just upgraded HO3 homeowner’s insurance policies, affording an even greater level of protection.

The HO1, HO2, HO3, and HO5 homeowner’s insurance policies are the most common policies that most homeowners would look at for their property, however there are several policy types for special properties, such as renter’s insurance, condominium insurance, and old home insurance.

Who Needs Professional Liability Insurance? 4.50/5 (90.00%) 2 votes

Professional liability insurance protects professionals where a small error in their work could have disastrous financial results for their client.  Professionals who give out advice or handle paperwork are the most prominent holders of professional liability insurance, however many professions can use professional liability insurance to protect themselves from the cost of error related damages.

Professional liability insurance is important for many professionals, since it protects them from the financial damages related to an error in their work.  Professional liability insurance can cover a wide variety of professions where precision can be very important, and lack of precision can be very costly.

Here is a small selection of risks considered:

  • Architects/Engineers
  • Advertising Agencies
  • Animal Grooming Services
  • Auctioneers
  • Billing Services
  • Car Title / Tag Services
  • Caterers
  • Claims Adjusters
  • Collection Agencies
  • Consultants
  • Credit Investigations
  • Direct Mail Services
  • Employment Agencies
  • Event Planners
  • Expert Witness
  • Funeral Directors
  • Hotel Managers
  • Management Consultants
  • Marketing Consultants
  • Real Estate Agents
  • Tax Preparers
  • Temp Services
  • Trainers
  • Travel Agents
  • Administrative / Office Services
  • Alarm Monitoring
  • Answering Services
  • Bookkeepers
  • Career Counseling / Researchers
  • Claim Administration
  • Composers / Lyricists
  • Court Reporters
  • Data Processors
  • Ergonomic Consultants
  • Forensic Analysts
  • Graphic Designers
  • Home Inspectors
  • HR Consultants
  • IT Consultants
  • Media/Publishing
  • Marketing Firms
  • Medical Billers / Coders
  • Mortgage Field Services
  • Photo Services
  • Property Managers
  • Telemarketing Services
  • Third Party Administrators
  • Translators

If you do not see what you need on this list, contact Boardwalk Insurance Group to see if your profession can be covered.

Professional liability insurance is important since small errors in their work can lead to costly financial losses.

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Professional Liability Insurance Products for IT Pros 5.00/5 (100.00%) 2 votes

Information Technology professionals are tasked with creating and maintaining many electronic files, infrastructure, and information for businesses.  Being successful in the information technology business means handling quite a bit of information and interpreting and distributing it for others to use.  Unfortunately it is almost inevitable that mistakes are made.

Professional liability insurance protects many types of professionals, including those in the information technology industry.  Professional liability insurance covers losses due to negligence, misrepresentation, unfair dealing, and poor or inaccurate advice.  Professional liability insurance is unique because the damages are not physical, but they can still be financially harmful.

Our MicroTek Pak Product Targets:

  • IT Consultants with up to $500,000 in revenue
  • Up to 3 Professionals

Minimum premiums starting as low as $995.

Our SuperTek Pak Product Targets:

  • IT Consultants with up to $15,000,000 in annual sales

Policy Highlights:

  • Defense Outside the limits of liability

Do you know any professionals working in:

  • Website Design
  • Software Development
  • Database Administration
  • Web Hosting
  • Software/ Hardware Sales
  • And many, many more

 

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Youth Sports Organizations and Little League Teams Should Carry an Insurance Policy 4.25/5 (85.00%) 4 votes

As much fun as they are to watch, sports can be dangerous activities.  There is always the potential for bodily injury in nearly every sport.  Insurance is also needed for the facilities they use and even for fundraisers hosted by the youth sports team.

This all-in-one insurance for youth sports package product provides protection for a variety of sports.  Property and liability coverage is offered in this insurance for youth sports package with a wide range of limits, ensuring that a small incident does not force the youth sports group to disband.

This All-In-One Non Profit Package product provides Youth Sports Organizations, with participants 18 years of age and younger, the opportunity to purchase General Liability, Property, and Directors & Officers (D&O)/ Employment Practices Liability (EPL) coverage all on one policy!

Target Accounts – The highest quote and bind ratio

  • New and existing organizations
  • Sports include but are not limited to Soccer, Football, T-ball, Baseball, Softball, Basketball, Volleyball, Tennis, Golf
  • Organizations that require parents or legal guardians to sign waivers of liability/release forms for all activities
  • Organization that perform background checks on all employees and volunteers
  • Organizations that have Accident & Health coverage in-force
  • No more than 1 loss or claim in the past 3 years

Product Advantages:

  • Coverage is available for athletic participants
  • Abuse and Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate available
  • Assault and Battery sub-limit of $50,000 available at no additional charge
  • Hired and Non-Owned Auto Liability coverage available in most states
  • Fundraisers and certain special events included at no additional cost
  • Landlord listed as an Additional Insured for no additional charge
  • No liability deductible
  • Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims
  • Lifetime Occurrence Reporting Provision for former Directors and Officers
  • Unlimited defense costs outside the limits for D&O and EPL coverage
  • Full Prior Acts Coverage for D&O and EPL coverage
  • Optional fiduciary liability for D&O coverage
  • Property available on Special Form and Replacement Cost
  • Inland Marine coverage available for sports equipment
  • Crime coverage available

Available Limits:

  • Liability limits up to $1,000,000 occurrence/$3,000,000 aggregate
  • Abuse & Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate
  • Assault & Battery sub-limit of $50,000 at no additional charge
  • Property values up to $500,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit.)
  • $5,000,000 additional capacity available for Umbrella Coverage

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Insurance for Daycare / Childcare Facilities and Nursery Schools 4.80/5 (96.00%) 5 votes

Children are the light of our lives, however they can be a hassle when juggling all the other responsibilities in life, such as work.  Many families opt to place their children in childcare, so that they can continue working.

Knowing your children are safe at the childcare is extremely important since there is a lot of trust placed in the employees.  For childcare facilities, childcare insurance protects the business from many damages that may threaten it.  Childcare insurance also includes liability insurance giving an outstanding amount of coverage on all fronts.  Childcare insurance can cover a variety of properties, including daycares and nursery schools.

This insurance coverage can provide a comprehensive product for both commercial and residential Child Care facilities.

ADDITIONAL ADVANTAGES:

  • IN-HOUSE BINDING AUTHORITY – Quick quote turnaround
  • Superior policy issuance
  • Low minimum premium
  • Broadest Coverage
  • Priced to Sell

POLICY FEATURES MAY INCLUDE:

  • Professional Liability for no additional charge
  • Child Molestation and Abuse limits to the General Liability Limit with no Liability Deductible (Commercial)
  • The definition of abuse includes corporal punishment
  • Medical Payments coverage automatically provided for no additional charge for enrolled students
  • Defense Cost Reimbursement coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators or employees
  • Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse coverage (Commercial)
  • Hired and Non-Owned Auto coverage
  • Coverage for facilities with pets and field trips
  • Coverage for extended hour and overnight commercial Child Care facilities and/or “drop in” centers
  • Special Form including Theft and Replacement Cost coverage available
  • Equipment Breakdown coverage including spoilage of perishable items
  • Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money, & Securities, Employee Dishonesty, Accounts Receivable coverage and much more
  • Background checks with preferred pricing

 

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High Value Property Insurance Products 3.50/5 (70.00%) 6 votes

High value properties need more insurance protection than most other properties.  However, the increased premiums that would result when using a standard business insurance policy can be cost prohibitive.  High value property business insurance is specially written for high value properties.

Business insurance is important for every business to protect from loss.  High value properties require more insurance for the increased protection, however standard business insurance can be too expensive for high value property needs.  Insurance agencies can write high value property insurance to better suit the needs of the high value property.

Classes of Business

  • Retail Jewelers
  • Wholesale/Manufacturing Jewelers
  • Diamond Dealers
  • Shippers and Packers
  • Private Art Collectors
  • Corporate Art
  • Antique Collectors
  • Museums

Many more classes available

Additional Coverages Available

  • Kidnap and Ransom
  • Piracy
  • Political Violence (including war and terrorism)
  • Personal Accident Assault Coverage

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Directors and Officers Insurance for Museums and Historical Institutions 3.67/5 (73.33%) 3 votes

Museums and other historical places make great tourist attractions and are trusted as knowledgeable organizations committed to presenting the facts.  Their directors and officers are generally held in the highest regard as experts in their particular fields, giving the institution credibility.

Even experts make mistakes, however when those mistakes lead to potential legal action, it is good to have protection in place.  Directors and officers insurance is protection in the event that directors or officers make harmful mistakes related to their position at their museum or historical institution.  Directors and officers insurance can also include employment practices liability insurance, which also protects in the event that the museum or institution is sued for discrimination.

MUSEUMS & CULTURAL/HISTORICAL INSTITUTIONS

Directors & Officers Insurance

 

Eligible Classes:

Aquariums • Art Museums• Art Galleries

Children’s Museums • General Museums • Health Museums

Historical Museums • Natural History Museums

Science Museums • Specialized Museums

Arboterums • Botanical Gardens

Planetariums • Ochestras • Nature Centers

 

Products / Limits:

D&O • $1MM

EPLI • $1MM

 

Umbrella Insurance Coverage is also available with limits from $1MM – $25MM.

 

• Not getting the attention you deserve?

• We specialize in writing smaller classes!

 

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Property, General Liability and Event Liability Insurance for Social and/or Service Organizations 4.50/5 (90.00%) 2 votes

Social and Service Organizations are generally very active in their communities.  Many events are frequently hosted both on and off property owned by the organization, necessitating insurance to protect that organization in the event of unforeseen circumstances.

If you are a founder, director, or board member of a Social or Service Organization, it is important that your organization hold insurance to cover property, general day-to-day operations, and events.  Insurance protects organizations from the unexpected and helps guarantee the organization’s future.

The Hit Zone Our highest hit radio

* No losses or circumstances in the past five years

* Classes include but are not limited to:

•     Abused Adult Shelters (Battered Women)

•     After School Tutoring

•     Animal Shelters/Rescue Groups

•     Anxiety Counseling

•     At Risk Youth Counseling

•     Big Brother/Big Sister Organizations

•     Botanical Gardens

•     Boys & Girls Clubs

•     Career & Vocational Counseling

•     Caregivers (Non-Medical)

•     Child Care

•     Community Centers

•     Conservation Groups

•     Counseling & Referral

•     Counseling for Eating Disorders

•     Credit Debt Counseling

•     Crisis Intervention (Non Suicide)

•     Food Banks/Soup Kitchens

•     Gay/Lesbian Services

•     Government Assistance Services

•     Group Homes – mildly handicapped adults

•     Halfway Housing

•     Healthcare Clinics

•     Historical Societies

•     Homeless Shelters

•     Horticultural Societies

•     Hospices

•     Job Placement Services

•     Learning Disorder Services

•     Parenting Education

•     Pregnancy Help Centers

•     Prison Families Support Services

•     Psychologist Services

•     Reading Programs

If you do not see your organization here, this type of policy can still cover your property, events, and general operations.  Contact a Boardwalk Insurance Group representative to see if your organization qualifies.

Eligible Risks

•     Any class not listed as ineligible

•     No more than two claims in the past 5 years for any one line of business

Product Advantages

•     Separate limits of liability for D&O and EPL claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)

•     Full prior acts coverage for D&O and EPL coverage

•     Unlimited Defense outside the limits

•     Lifetime Occurrence Reporting Provision for the former Directors & Officers

•     Third party sexual harassment and third party discrimination coverage

•     Separate limits of liability for General Liability/Professional Liability (E&O)/Abuse  & Molestation.

•     General Liability/Professional Liability (E&O)/Abuse & Molestation written on an Occurrence form

•     Contingent Professional Liability for specific medical professional

•     Property written on Special Form

•     Special Events Coverage available

•     Hired and Non Owned Auto Liability coverage available

•     Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress

•     Optional Value Plus Endorsement

•     Optional Equipment breakdown – includes free boiler inspection if required in your jurisdiction

•     No General Liability deductibles

•     Admitted Product available in most states

•     Security of an insurance carrier rated A++ by A.M. Best

Available Limits

Directors & Officers

•     Up to $5,000,000 for D&O and EPL. The EPL limit may not exceed the D&O limit

Liability

•     General Liability: $1,000,000

•     Molestation & Abuse: Up to $1,000,000 each claim

•     Professional Liability: $1,000,000/1,000,000

Property

•     Up to $3,000,000 Total Insured Value (TIV) when no habitational and risk is located in a Protection Class 1-6 zone.

•     Up to $1,000,000 when no habitational exposure and risk is located in a Protection

•     Class 7-10 zone. If habitational exposures exist, TIV cap is $500,000

•     Maximum Property value of $500,000 per location for Coastal Zone accounts

Umbrella

•     Up to $5,000,000 limit

If you are involved in a Social or Service Organization and want to ensure your organization holds adequate insurance coverage while saving money, you should contact a representative at Boardwalk Insurance Group.  This independent agency will take the time to learn the risks associated with your organization, whether concerning owned property or events in the community.

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Liability and Event Insurance for Fraternities, Sororities, Fraternal Clubs, and Private Club Members 4.50/5 (90.00%) 2 votes

If you are an executive for a fraternity, sorority, fraternal club, or private club, it is important that your organization hold liability and event insurance to protect your organization’s future, as well as its members and guests.

Product Advantages

Package

•     Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress

•     Club members included as Additional Insureds

•     Fundraisers and certain special events included at no additional cost

•     Assault and Battery available on most risks

•     Hired and Non-owned Auto Liability Coverage available

•     Optional value Plus Endorsement

•     Optional Equipment Breakdown-includes free boiler inspection if required in your jurisdiction

•     No designated premises limitation

Liquor Liability

Insured has the option of either Basic or Top Shelf coverage

•     Basic Form features Defense costs inside the limits of liability and an exclusion for Assault or Battery coverage

•     Top Shelf provides coverage for Defense costs outside the limits of liability, may provide coverage for Assault or Battery and includes automatic coverage for the Liquor License holder as an additional insured

•     Club members included as Additional Insureds

•     Assault & Battery coverage available on most accounts

•     Credits available for responsible clubs with a formal third party server awareness training program

Directors and Officers

•     Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)

•     Full Prior Acts Coverage

•     Unlimited defense outside the limits

•     Unlimited Extended Reporting Period for former Directors & Officers

•     Punitive Damages, where insurable by law, included automatically

•     Optional fiduciary liability coverage

•     Automatically includes third party discrimination and harassment

•     Free Human Resources Hotline with unlimited number of calls and no time limits (when EPL is purchased)

Liquor Liability

•     Risks serving alcohol past the legally allowable time or “after hour” establishments

•     Risks with the following exposures: risks that allow “Bring Your Own Bottle,” risks that serve liquor in dry county or township, risks that allow same day membership, risks that allow members to bring more than two guests per day, and for social or private clubs

•     Risks located in AL, AK, IL, IA, LA, MS, OR, RI or WV

Directors and Officers

•     Risks that sponsor or administer any insurance programs

•     Risks involved in any labor/union negotiations or collective bargaining

•     Risks located in AK or LA

Available Limits

Package

•     Maximum Liability Limit $1,000,000/$2,000,000

•     Maximum Property value of $3,000,000 for organizations without cooking (protection class 1-8)

•     Maximum Property Value of $1,500,000 for organizations with cooking (protection class 1-8)

•     Maximum Property value of $250,000 for organizations in protection class 9-10

•     Maximum Property value of $500,000 per location for Coastal Zone accounts (wind exclusion applies)

•     Maximum Property value of $200,000 for seasonal risks

Liquor Liability

•     Up to $1,000,000 each common cause/$200,000 aggregate

Directors and Officers

•     Up to $5,000,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit)

Submission Requirements

•     Non Profit Fraternal Club Application (NPP CLUB) or equivalent

•     Representation of incurred loss/claim history for the past five years

If you are involved with a fraternity, sorority, fraternal club, or other private club and would like to ensure the organization holds adequate insurance coverage while saving money, you should contact a representative at Boardwalk Insurance Group.  This independent agency will take time to understand how your organization works and will customize a liability and event insurance policy that meets the needs of your organization while exceeding expectations.

 

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Insurance for Churches, Mosques, Synagogues, Temples and Other Religious Institutions 3.50/5 (70.00%) 2 votes

Unfortunately, religious institutions are susceptible to an increasing number of risks resulting in monetary damages.  Having the right insurance policy in place can help protect your non-profit organization.
Here are the Coverages Your Organization Should Carry:
•    Commercial General Liability Insurance
•    Commercial Property Insurance (if the organization owns real property)
•    Directors and officers Liability Insurance
•    Employment Practices Liability Insurance
•    Special Events Liability Insurance
•    Special Religious Property Coverage which includes the unique exposures associated with religious facilities such as coverage for organs, pulpits, baptismal fonts, pews, stained glass, arks, tabernacles, etc.
•    Money & Securities with the ability to increase your limit on select days when offerings are larger
•    Members and Volunteers should be included automatically as additional insureds
•    Licensed Day Cares and Preschools included if necessary

Boardwalk Insurance Group is an independent insurance agency specializing in a variety of commercial insurance programs through its network of insurance companies and insurance brokers.  Their specialty package for religious institutions, in addition to what’s listed above, includes the following:

o    Money & Securities Coverage
o    Employee Dishonesty Coverage
o    Spoilage Coverage
o    Accounts Receivable Coverage
o    Valuable Papers Coverage
o    Sewer Back Up Coverage
o    Personal Effects Coverage
o    Clergy and Counseling Professional Liability
o    Hired and Non-Owned Auto
o    Employee Benefits Liability
o    Directors and Officers Liability
o    Employment Practices Liability
o    And many more…

This Program is Specifically Designed For:
•    Churches / Tenant Based Church
•    Mosques
•    Synagogues
•    Temples
•    Other Religious Institutions

Coverages Limits Generally Include:
•    General Liability – up to a $3,000,000 limit
•    Property (Buildings, Business Personal Property, Business Income, Equipment Breakdown)- up to $2,000,000 per location.
•    Sexual Molestation  – up to $200,000 Limit

Coverage is placed through A+ rated insurance companies and higher limits are available upon request.

Boardwalk Insurance Group services are 100% free of cost to you so why not submit an application today and find out for yourself?  Quotes can be obtained in as little as 48 hours in most cases.

 

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